Australian Property Talk

Send us Fan Mail In this special episode, we go into all the lessons and learnings from my property investing journey. I candidly share my mistakes, my experiences and how i view property investing. Some lessons include: > Simplify property investing into get money, place money & manage money > Focus on wealth creation, not yield > Buy what property can be, not what it is. > Focus...

Send us Fan Mail Australia is in the middle of its biggest EVER rental crisis.   Inflation on rents is in DOUBLE digits.  In Sydney, its nearly 15%.  The fastest on record. Its causing massive disruption to peoples lives.  Its impacting the most financially vulnerable Aussies the most too. Today, Curtis and I are going to put our policy hats on and talk through this problem. > We are going to g...

Send us Fan Mail Rates on HOLD.  The RBA have acknowledged GROWTH for the first time in this rate rising cycle - effectively voicing their fear that the Australian Economy may go into a recession this FY. In this pod, we go through: > Why they paused rates > What it means for housing > Whether there'll be a recession in the year ahead Curtis shares his 3 big forecasts for the year: A...

Send us Fan Mail The housing market is in a state of paradox. Interest rates keep going up.  But house prices keep rising. We ask WHY? Will it last?  What is going on driving this strong rebound.  Where specifically do the risks lie? The key points we unpack: ·     Rents are insane – near 60% UP in asking rents in 3 years ·     Employment is very strong ·     Listing levels are very low The headwi...

Send us Fan Mail The RBA Have Increased Interest Rates Again to 4.10%. It’s a hammer financial and psychological blow for households across the country. That’s 1% increase to rates in 2023 already, after 3% increases in 2022. For a million-dollar mortgage, repayments up to nearly 6k p/m from 3.7k a year ago. Up 62%! In this episode, we discuss: > Why they made this move > Is this the RBA&apo...

Send us Fan Mail We go through a big new improvement in the mortgage market and how it helps Aussies all across the country. Mortgage Prisoners stuck on their existing loan terms now have options! A major bank has announced a 1% buffer rate policy instead of the current 3% buffer.  After 11 rate rises, the eligibility tests for refinancing got much harder in 2023. Borrowers with perfect repayment...

Send us Fan Mail In this episode, Curtis & I wind back the years and put back our 'Treasury' hats on, and unpack this year's federal budget.  We also deep dive into the latest Statement of Monetary Policy by the Reserve Bank and what it means for interest rates in the months ahead. On the budget, we run through: > Will the additional spending put more inflation pressure on th...

Send us Fan Mail In a shock to markets, the RBA have delivered another interest rate increase.  Markets, economists and just about everybody had this wrong, pricing in a 0% chance of a rate rise.  Instead, the RBA came in with a surprise and decided to increase interest rates for the 11th time in a year. In a blow to Aussie borrowers, the RBA have re-affirmed their inflation fight by taking the ca...

Send us Fan Mail Yesterday, on the 26th of April, inflation data covering the Jan-March 2023 period was released. It confirms that Inflation officially peaked in Australia in late 2022, and has been on its way down since.  Thankfully for Aussie borrowers seeking some relief from interest rate pain, it came in lower than expected. In this episode, we unpack why: 1. Media reporting of 7% is misleadi...

Send us Fan Mail The RBA has decided to leave the cash rate UNCHANGED. This is the first time interest rates have NOT increased since May last year. Simply, the RBA wants to wait and collect more information on the state of the economy before assessing next steps for interest rates. They have also softened their language on further interest rate rises, noting that they expect 'SOME' furt...

Send us Fan Mail Are Aussie Banks Safe? Lending predicts Housing. In this episode, we deep dive into lending outcomes by Aussie Banks and unpack the riskiest areas of lending in Australia. We unpack how the latest lending data released shows that Aussie borrowers are struggling to get finance, and what may be done about it in the months ahead. We touch on the need to refinance and how we've s...

Send us Fan Mail We unpack the Aussie Housing Market Story since Covid hit our shores. Its been 3 years and housing markets have see-sawed up and down across the country. We go through: 1. Whats happened to house prices across the country since & WHY? 2. Go STATE by STATE and look around the grounds. 3. Explore how regional markets across the country have done better than capital cities. 4. Lo...

Send us Fan Mail The RBA have increased interest rates for the 10th consecutive meeting.  This takes the total increase to interest rates to 3.50%, a $2,000 increase in monthly repayments on a $1million mortgage. Despite weaker economic data coming out in the month of February, interest rates continue to rise. The RBA have signalled that they expect 'further monetary tightening' in the m...

Send us Fan Mail Surprise surprise... House prices in Sydney may record their first positive monthly movement in nearly a year this February. This comes of the back of a pretty sharp fall last month. What is driving the turnaround? Will it last through the year? Are we at the bottom of this cycle? We deep dive into the state of the current housing market and unpack what's likely coming next....

Send us Fan Mail The RBA have come out of the blocks STRONG after their rate decision last week. Interest rates continue their march upwards.  In this episode we cover why the RBA are being clear & direct about rate rises and their forecasts for the Aussie economy. We discuss a few economic insights including: > Inflation becoming broad based in Australia > Inflation  as a supply side pr...

Send us Fan Mail The Reserve Bank of Australia has just lifted interest rates by another 0.25%, in a call widely expected by most economists.  The cumulative impact of 9 consecutive interest rate rises is an increase in repayments of ~$1,950 for a $1 million mortgage.  That is 50% rise in mortgage repayments in under 12 months! In this pod, we unpack WHY the RBA made their rate decision, and what...

Send us Fan Mail In this episode, we go through 11 Property Market Predictions we expect in 2023.   By the end of this, you'll know:   Why we are currently in the tightest financial conditions in nearly a decade in Australia. How regulators may change interest rates and lending assessments later in the year. Why inflation has PEAKED as at January 2023. Which investor pockets of Australia are...

Send us Fan Mail Property market conditions are a function of the financial conditions that are in place for borrowers across Australia.  When banks give you more money and make it cheaper, property booms.  When they take it away or make it more expensive, property performs poorly. In this episode, were going to drill down into the detail of current financial conditions and benchmark lending condi...

Send us Fan Mail Where interest rates go this year will likely be the number 1 driver for property prices in Australia in 2023.  It is the number 1 question we're getting asked at the moment. In the first episode of 2023,  we run through the four possible scenarios for interest rates for 2023.  At the end of the episode, we discuss what impact each of these scenarios will have on property pri...

Send us Fan Mail A debate between two ex-treasury economists on where inflation will be in the long term.  On one hand, Redom debates inflation will be low again once this period subsides.  On the flipside, Curtis debates that inflation will be structurally higher in the long term. INFLATION has taken hold in Australia and much of the developed world.  Finally, after being a sleeping dragon for de...

Send us Fan Mail The property industry is poorly regulated. Education is KEY to making better decisions. 8 years ago when i started, i wish i knew these things.  I made a $440,000 mistake by being poorly educated. In this episode, we cover 5-6 property ideas to watch out for. 1. Buying Below Market Value - its not possible, don't fall for it. 2. 'House & Land' & 'Off-Th...

Send us Fan Mail I’m starting this podcast because the quality of property education SUCKS at the moment.  We live in the attention economy. What that means now is that we’re being taught more and more by teachers who have no idea what they’re talking about. We have kids who’ve done very little, understand even less and talk NON stop.   For us, with my own story, a lack of quality education was a...

Send us Fan Mail When i was 15, both my parents lost their jobs and our family home was taken from us. The pain of that experience changed my life.  I believe our listeners should know a little bit about us - if we're here to educate you about property, it's fair of you to ask what we've done.  In this show, i outline my story, whats motivated me and what i've done to rebuild m...

Send us Fan Mail In the very first episode of Australian Property Chat we summarise the housing market in 2022.  The MOST interesting year in housing for decades. It's been a story of extremes.   Rising inflation, rising interest rates, rising rents and rising replacement costs. All off the charts, all at the same time. We deep dive into each component in this episode. Reach out to us at www....